公开(公告)号：US20230297826A1

公开(公告)日：2023-09-21

申请号：US17697724

申请日：2022-03-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shiny John Shaju ,  Anil Kumar Surisetty ,  Alok Singh ,  Deepak Chaurasiya ,  Stephen Patrick Flinter ,  Quentin Bragard ,  Alvin Lee ,  I-Hsin Chuang

IPC: G06N3/08 ,  G06N7/00 ,  G06Q20/40

CPC classification number: G06N3/08 ,  G06N7/005 ,  G06Q20/405

Abstract: An aspect of the present disclosure is drawn to a method for managing a payment network, including: learning a transaction pattern of an account over time; generating a transfer function based on the transaction pattern; predicting information for the account based on the density function; changing a state of the account based on the predicted information; and automatically transmitting a notification of a feature to an owner of the account based on the changing of the state of the account, wherein the transfer function is a probability density function of a neural network and wherein the information includes a time of a future transaction linked to a correlated marker of the payment network.

公开(公告)号：US20230376874A1

公开(公告)日：2023-11-23

申请号：US18031344

申请日：2021-10-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Quentin Bragard ,  James Thomas Conway ,  Nitish Kothale

IPC: G06Q10/0635 ,  G06Q40/02

CPC classification number: G06Q10/0635 ,  G06Q40/02

Abstract: An apparatus for determining a level of risk that a future transfer will exceed a level of reserve is provided by the present disclosure, the apparatus comprising circuitry configured to: obtain data of transfers between financial institutions which have occurred at a number of instances of time, the data including transfer amounts; apply a predictive model to the data to obtain a prediction of the transfer amount at each instance of time; determine a maximum residual between the prediction of the transfer amount and the transfer amount at each instance of time; model the maximum residual for each instance of time using a generalised extreme value distribution to obtain a distribution function; and determine the level of risk that a future transfer between financial institutions will exceed the level of reserve based on the distribution function which has been obtained.

公开(公告)号：US20230325757A1

公开(公告)日：2023-10-12

申请号：US18042968

申请日：2021-07-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： James Conway ,  Quentin Bragard

IPC: G06Q10/067 ,  G06Q20/20

CPC classification number: G06Q10/067 ,  G06Q20/202

Abstract: A computer-implemented method for testing a model indicating a parametric relationship between a plurality of channels of multivariate data, the method comprising: obtaining a real dataset of observed multivariate data comprising the plurality of channels; generating a control dataset of multivariate data comprising the plurality of channels, the control dataset being generated based on the model; for each of a plurality of sample subsets from the real dataset and the control dataset, calculating a p-value for the model; and determining whether (1) a distribution difference characteristic of a distribution of the obtained p-values for sample subsets of the real dataset and a distribution of the obtained p-values for sample subsets of the control dataset falls within a second predetermined significance range, and, if condition (1) is met, determining that the model is accurate.

公开(公告)号：US20240037582A1

公开(公告)日：2024-02-01

申请号：US18265953

申请日：2021-12-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Nicola Mariella ,  Stephen Patrick Flinter ,  James Conway ,  Quentin Bragard

IPC: G06Q30/0202 ,  G06Q30/0207 ,  G06Q10/0631

CPC classification number: G06Q30/0202 ,  G06Q30/0207 ,  G06Q10/0631

Abstract: A system and computer-implemented method for optimising, by a quantum computer, an allocation of opportunities to recipients comprising: determining a plurality of opportunities to be allocated; determining a plurality of recipients to be allocated at least one of the plurality of opportunities; determining a respective acceptance likelihood of each of the plurality of recipients accepting each of the plurality of opportunities; determining a first constraint associated with a cost acceptance of each of the plurality of opportunities by the plurality of recipients; and determining an optimised allocation of the opportunities to the recipients based on the respective likelihoods and the first constraint, in the quantum computer.